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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,389 | $55,636-77.7% | $81,982-84.9% | $73,497-83.1% |
| Participation rate | 57.7% | 62.3%-4.6pp | 69.3%-11.6pp | 70.7%-13.0pp |
| Annual return | 20.71% | 19.07%+1.6pp | 41.31%-20.6pp | 28.51%-7.8pp |
| Employer contribution / active EE | $108 | $1,625-93.3% | $2,498-95.7% | $2,270-95.2% |
| Participant deferral / active EE | $1,792 | $2,762-35.1% | $3,722-51.9% | $3,740-52.1% |
| Admin fee / account holder | $26 | $493-94.8% | $5,665-99.5% | $513-95.0% |